About Benefits by Design Insurance Services

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Insurance and Medicare Experts for 20+ Years


Pam Morton is the Agency Owner and Broker for Benefits by Design, and she brings over 20 years of experience in corporate health care insurance, working with the major health insurance companies in all market segments, including: Small Group, Large Group, National Accounts, Specialty Products, and Individual and Family Plans, as well as Medicare. That experience gives Pam an intimate understanding of product and compliance knowledge, as well as industry relationships that she brings to the benefit of our team and clients.


Pam has a B.A. in Communications from California State University Fullerton.


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The experts at Benefits by Design Insurance Services help people all across California, but specialize in insurance coverage in Carlsbad, North County, San Diego County, Larkspur, Bay Area, Marin County, San Francisco, and Sonoma County.

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Check out What's New on our Blog

By Pam Morton September 4, 2025
A Real Life Example
By Pam Morton September 3, 2025
When Travel Insurance is Recommended
By Pam Morton August 2, 2025
What Employers Need To Know
By Pam Morton August 2, 2025
What to consider when purchasing dental insurance
By Pam Morton July 19, 2025
Want to Save Money on your Health Insurance? Ask Pam.
By Pam Morton July 18, 2025
Are You A Small Company That Does Not Have An HR team? We can help!
By Pam Morton June 20, 2025
New And Fun Subscription Boxes
By Pam Morton June 20, 2025
Pet Peeves, Permissions and Policies
By Pam Morton June 20, 2025
Employee Benefits You Need To Consider
Discover how to fill the benefits gap and support your team-without straining your budget
By Pam Morton June 6, 2025
Enhance employee benefits by offering supplemental benefits. They can be company-paid or voluntary (employee pays for them with a payroll deduction)
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